Moonfisher: I used to do in- home training for people with mild mental disabilities. They were living on their own, paying their bills, taking the bus to work or shop, and it was my job to help them improve those skills so they could live on their own instead of in state institutions. Every one of them had a house full of rent-to-own furniture. One skill I always prioritized was acquiring cheap, decent items and getting out of those awful contracts.
Arumat: As for the customer, I'd rather educate him and/or get him back on his feet instead of giving him a criminal record, jail time, and fines and making the situation much worse for all involved. After all, if he goes to jail or stays unemployed he gets supported by tax dollars right?
untaken_name: Arumat: As for the customer, I'd rather educate him and/or get him back on his feet instead of giving him a criminal record, jail time, and fines and making the situation much worse for all involved. After all, if he goes to jail or stays unemployed he gets supported by tax dollars right?Yes, but that's a whole 'nother subject. I am against incarceration as a means of punishment - it doesn't provide any restitution to the victim of the crime, isn't productive in any way, doesn't teach by logic or example but by pain avoidance, which is ineffective, etc. Additionally, I find it reprehensible that the victim is then taxed to pay to support the person who wronged them. I'm just not sure that the man will be educated by receiving a pardon - i know he made a bad decision because he signed that contract which is obviously a bad decision. Receiving a get-out-of-contract-free card is not as likely to teach him not to sign contracts as it is to teach him how to get out of future contracts, should he so desire. Granted, those are assumptions, but they're based on personal experience - I've made bad decisions before, and so have many of my friends and family. I didn't learn from the ones whose consequences I was spared. Maybe that's just me, I can't say.
Arumat: I guess we're mostly on the same page then. I just hate to see the legal system used as a weapon.
Gabrielmot: Using two of my friends as a sample for why this is, here's an interesting scenario. One guy makes *half* as much as the second guy, but has two years salary put away because he's frugal and good with money. The second guy is constantly borrowing money from the first guy (and me) because he can't make the payments on his car, apartment, etc. but still miraculously has enough money to eat out, drink, buy a new cell phone every six months, etc.The second guy gets sound financial advice from me (who makes about triple what he does) *and* from the guy who makes about *half* what he does.-He promptly ignores both of us and has a dismal credit score, no bank balance at the end of the month, and no retirement savings as a result. All three of us came from poor childhood backgrounds.
Arumat: I'll admit, I can see where you're coming from. It is in the contract that the customer is responsible for returning the item(s) in question. On the other hand, I can also see hammering the RTO owner with contempt of court for attempting legal action and wasting everybody's time when the simple solution is right in front of him. If the TV is so important to him that he can show up in court to try to get an indictment for grand theft, he can grab one of his employees and the company truck and go get it. Nowhere did it say anything along the lines of the customer saying that he "would not" return the television, just that he "could not".
Magnanimous_J: nubzers: The military is a relatively easy target because we pretty much just don't handle finances at all, everything is paid for from our meals to where we live. Our pay is essentially just spending money.If I could ever live with myself for doing it, I would open a Honda or Suzuki motorcycle dealership right by a military base. I learned from selling cars that military people are as easy to put together as a 2 piece puzzle and they can get financing on ANYTHING. A decent salesperson could ether an 18 year old kid on a sport bike and close the deal in 10 minutes.
Generation_D: Is it government's job to protect the stupid from themselves?
relcec: busy chillin': they get literally nothing for their money with the lottery. nothing. and with money it is a lifetime of playing. the lottery, booze, and cigs are probably the biggest money sucks in existence for the poor. at least the booze gets you drunk though.
busy chillin': You think they get nothing (from playing the lottery). Many people get enjoyment and excitement...and people do win. And again...no signed legal contract binding them to play everyday.
Dancin_In_Anson: busy chillin': You think they get nothing (from playing the lottery). Many people get enjoyment and excitement...and people do win. And again...no signed legal contract binding them to play everyday.And yet you willingly do it every day. How much have you won in relation to what you've spent (in cash, not in excitement and enjoyment)?
busy chillin': Ahhhh, you care how I spend my money.
Dancin_In_Anson: busy chillin': Ahhhh, you care how I spend my money.You can play lotto and go to the casino all you want for all I care. If you are going to do so, quit whining about how others spend their money.
busy chillin': um what?
Dancin_In_Anson: busy chillin': um what?Well, there are people who are buying from rent to own places that charge high interest and you seem to have a major problem with this.
busy chillin': I have a problem with the governor removing the full-disclosure aspects
busy chillin': I have a problem with the governor removing the full-disclosure aspects.
Kittypie070: Looks like DIA is pro-fraud.
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